About Us
Our Mission
At Pension App, we’re driven by a simple but powerful belief: everyone deserves to understand and control their financial future. Yet today, millions of people are disconnected from their pensions and are unsure where their savings are, how much they’re worth, or how to take meaningful action.
We built Pension App to change that.
The Problem
The national average of jobs a UK adult may have ranges from 6 - 9. The younger generation (millennials) tend to have more, ranging from 10 - 12 jobs on average. This is due to shorter tenures and frequent changes early in their careers.
Over the past 12 years, this has resulted in a growing segment of individuals with fragmented retirement savings. These savers typically fall below the minimum portfolio thresholds required by traditional financial advisers or networks, making them underserved by the advised market due to the cost inefficiency of delivering one-to-one advice at scale. Fragmented pots do not provide the full picture on how retirement may look and often provides an administrative burden. The wider problem is substantial: an estimated 3.3 million lost pension pots hold nearly £31 billion in unclaimed assets across the UK.
The introduction of auto-enrolment was a major step forward in pension savings, but it came with a new challenge. People now have multiple pension pots scattered across different employers, with little visibility or control over them. Many don’t even know how many pensions they have, let alone how to access them.
Pension App was founded in response to growing consumer demand for simple, low-cost, and transparent pension products that can be accessed and managed online without the need for financial advice. Leveraging modern technology and an intuitive user experience, Pension App enables you to locate, transfer, and manage your pensions directly, with access to a curated range of investment options.
We offer the ability to find any pensions from your previous employment(s) and combine them into a single pension which you can manage either through your online account or via an app on your phone. A modern, mobile-first pension product that helps you to find, combine, and manage your pensions, just like you manage your banking, investing, or even food deliveries.
Traditional pension providers are failing to keep up with how people live, work, and plan today. They're clunky, paper-based, and hard to reach. That's where we come in.
Our Product
Pension App is engineered to be everything a modern person needs to actively engage with their retirement, on their terms:
Find & combine your pensions.
We help you trace old pension pots from past employers and bring them together, so your money isn’t left behind or forgotten.Manage your pension from your phone.
Like a banking app, you can check your balance, view or switch your investment fund, make contributions, and - when the time comes - withdraw with ease.Effective customer service.
Our customer service is fast, informed, and friendly. You’ll speak to real people who understand pensions and are happy to help - without the jargon or long hold times. This achievement is reflected in our glowing Trustpilot reviews.
Our People
We’re a team of industry experts, technologists, and customer-first problem-solvers. What unites us is a shared belief: that pensions should be empowering, not confusing.
We’re building Pension App for the people who’ve been left behind by traditional pension providers - and we’re doing it with energy, care, and a relentless drive to simplify the most important savings product you’ll ever own.